Performance of Fumbi Products in 2024

The year 2024 was exceptionally dynamic in the cryptocurrency market and full of significant events. Following the successful market recovery in 2023, when Bitcoin solidified its position and other cryptocurrencies experienced strong growth, investor expectations for the following year were very high.

The year 2024 met these expectations. The cryptocurrency market witnessed key events over the past year that significantly influenced its development. Among the most notable was the approval of spot Bitcoin ETFs in the United States, marking a historic step towards broader adoption of Bitcoin among traditional investors. This step sparked enormous interest and caused a substantial increase in market liquidity. Another significant milestone was the April Bitcoin halving, which reduced mining rewards by half, further increasing Bitcoin’s scarcity. For the first time in history, however, Bitcoin reached a new all-time high even before the halving took place.

In Europe, the MiCA regulation (Markets in Crypto-Assets) took center stage, introducing new rules for cryptocurrency companies, and significantly boosting investor confidence in the sector. The political situation in the United States influenced market sentiment, particularly the presidential election in which pro-crypto candidate Donald Trump won. Cryptocurrencies have become a topic of political discussion worldwide, with several countries, including the U.S., starting to consider the possibility of creating national Bitcoin reserves.

In 2025, it will therefore be fascinating to observe the behavior of not only investors but also lawmakers and regulators—how they approach the cryptocurrency market and how they tackle the fact that Bitcoin and cryptocurrencies are slowly but surely becoming a parallel to the traditional financial system.

How Did Fumbi Products Perform in 2024?

In 2024, Fumbi products gained growing popularity among investors seeking safe and simple ways to invest in cryptocurrencies. Our team continuously worked on improving and optimizing our services to bring you only the best from the cryptocurrency market. Thanks to our efforts, we achieved a significant increase in the number of new users – something we are very pleased about, as investing in cryptocurrencies should be accessible to everyone, even beginners who know little about cryptocurrencies but want to become part of this market and learn something new along the way. That’s why Fumbi is here – to bring you simple and secure cryptocurrency investment options.

Fumbi Index Portfolio

Fumbi Index Portfolio is our most popular and sought-after investment solution, offering a simple way to invest in a wide range of the most popular cryptocurrencies with just a few clicks. The portfolio is composed of carefully selected cryptocurrencies based on their market capitalization and utility, reflecting the dynamics of the entire market. Thanks to the automated Fumbi Algorithm, your investments are regularly rebalanced to remain optimally allocated. This innovative approach enables even novice investors to harness the potential of cryptocurrencies without unnecessary complexity. It is an ideal choice for those seeking a diversified and secure solution in the crypto world.

In 2024, Fumbi’s Investment Committee conducted 4 quarterly updates of this portfolio, during which up to 5 new cryptocurrencies were added, while two cryptocurrencies were gradually delisted, mainly due to their declining potential and failure to meet our formal criteria. An overview of individual updates can be found on our blog in the News at Fumbi section.

Looking at the data, the best day for the Index Portfolio was November 7, 2024, shortly after the U.S. elections, in which pro-crypto candidate Donald Trump won. The market euphoria triggered a massive influx of capital, which also affected our Fumbi Index Portfolio – rising by 11.78% in a single day. Conversely, the worst day of this calendar year was August 6, 2024, when the Bank of Japan (BOJ) surprised the financial world by raising interest rates by 0.15% to the range of 0.25%, bringing Japan’s benchmark rate to its highest level in 15 years.

This decision caused significant movements in Japan’s foreign exchange and stock markets, with the Japanese Nikkei index losing nearly -20% of its value over 5 days. These movements also impacted all other markets, including cryptocurrencies, where, with the decline of Bitcoin and altcoins, our Fumbi Index Portfolio lost up to -8.47% of its value on that day.

Source: Fumbi Research

Overall, 2024 was very positive for cryptocurrencies as well as for our Fumbi Index Portfolio. In 2024, the Fumbi Index Portfolio achieved a total return of 102.47% as of 31 December 2024, marking the second consecutive year the portfolio delivered an annual return exceeding 100%.

The maximum possible portfolio return in 2024 was recorded on 17 December 2024, when Bitcoin reached its all-time high of nearly 108,000 USD. At that time, the portfolio’s return since the beginning of the year reached an impressive 131.98%.

Source: Fumbi Research

If you decided to invest in the Fumbi Index Portfolio at the beginning of last year, you made a very good decision. Shortly after the start of the year, spot Bitcoin ETFs were approved in the United States, which caused a significant price increase. This growth also influenced our Index Portfolio, where Bitcoin holds by far the largest share. An investment of €1,000 made at the start of the year would have brought our investors a profit of €1,024.78, with a total investment value of €2,024.78 as of 31 December 2024. This model abstracts from any fees.

If you had invested your funds at the beginning of the year and withdrawn them when Bitcoin reached its all-time high of $108,000, you would have achieved a profit of €1,298.73, with a total investment value of €2,298.73 as of 31 December 2024.

Source: Fumbi Research

When evaluating portfolio performance, an interesting metric is the comparison of the Fumbi Index Portfolio with market returns, represented by the S&P 500. This index was chosen because it is an excellent representative of the performance of the U.S. economy from a stock market perspective, thanks to its diversification across various sectors such as technology, finance, healthcare, and others. Both indices performed well in 2024, maintaining their growth trends, with the S&P 500 achieving a return of approximately 23% and the Fumbi Index Portfolio 102%. In absolute terms, our Fumbi Index Portfolio outperformed the market by 79%, and in relative terms, the performance of our portfolio exceeded the market’s performance by 3.42 times.

Source: Fumbi Research

Fumbi Custom

The year 2024 brought dynamic changes to the cryptocurrency market, resulting in significant differences in the performance of individual assets in the Fumbi Custom product. This product allows clients to invest in cryptocurrencies according to their preferences and expectations, with 2024 featuring several important events and trends that influenced the development of individual assets.

The absolute leader in growth was the cryptocurrency SUI, which achieved a return of +421.10% in 2024. This increase was driven by the adoption in decentralized applications (dApps) and growing interest in the ecosystem of applications built on the SUI blockchain.

XRP also saw notable growth last year, rising by +252.02%, mainly due to a favorable outcome in its long-standing dispute with the SEC and the launch of its own stablecoin. Bitcoin (+125.57% in 2024) maintained its position as the most popular cryptocurrency, benefiting from increased interest from institutional investors and the growth of Bitcoin-focused ETFs.

Other successful assets in 2024 included BNB (+137.73%), which benefited from Binance’s strong market position and the popularity of projects like BNB Launchpool. Solana (+84.29%) also performed well, fully recovering from its previous instability (2022) and thriving due to the growth of decentralized applications within its ecosystem.

Assets such as ETH (+51.06%), ADA (+44.39%), LINK (+37.28%), and NEAR (+37.60%) experienced stable growth. Ethereum benefited from successful updates improving network efficiency, while Cardano and Near continued expanding their ecosystems. Chainlink strengthened its position as a leader in oracle solutions.

On the other hand, some cryptocurrencies faced a challenging year. The largest decline in 2024 was seen by MATIC (-52.7%), which faced intense competition from other scaling solutions. ATOM (-41.10%) and INJ (-47.32%) experienced declines due to reduced interest in the Cosmos ecosystem, negatively affecting projects built within this framework.

A complete overview of asset performance in the Fumbi Custom product

Source: Fumbi Research

Bitcoin and Gold

Gold has long been considered a symbol of stability and security in investing, while Bitcoin represents innovation, dynamism, and growth. At Fumbi, we offer you the opportunity to combine the best of both worlds – the security of gold and the potential of Bitcoin through our Bitcoin and Gold product.
This product provides a more conservative approach to cryptocurrencies through automatic rebalancing, which keeps investments balanced at a 50:50 ratio. This means that if Bitcoin rises more than gold, a portion of BTC is sold and gold is purchased to restore balance. Similarly, if Bitcoin declines while gold remains stable, a portion of gold is sold and BTC is purchased, ensuring the investment remains balanced. This approach allows investors to systematically buy at the most advantageous times, reducing risk and supporting long-term investment growth.

Throughout 2024, the portfolio composed of Bitcoin and gold achieved stable growth without significant corrections. The early months were characterized by a steady accumulation of investments, reflecting the core philosophy of this portfolio. During the summer months, the portfolio remained stable, with Bitcoin prices declining while gold (PAX Gold) prices increased. These fluctuations were effectively offset by automatic rebalancing.

After the summer, as investors traditionally returned to trading, financial markets regained momentum. However, the November U.S. presidential elections acted as a strong catalyst for growth in the cryptocurrency market, with Bitcoin surging significantly. This led to a sharp rise in the portfolio’s value, which reached its peak in mid-December with a performance of 101.86%. The total annual return of this portfolio as of 31 December 2024 was 87.96%. The performance of this portfolio demonstrates the strong potential of a strategy combining traditional gold with Bitcoin.

Source: Fumbi Research

When looking at the return structure, it is evident that a portfolio composed of Bitcoin and gold offers lower risk, with most daily returns ranging from -2.5% to +2.5%. An interesting situation occurred between 6 August 2024 and 9 August 2024, when the portfolio first recorded its largest daily loss (-5.3% on 6 August 2024) and then, three days later (9 August 2024), achieved its highest daily gain of +5.6%. This situation was caused by a drop in Bitcoin’s value by approximately 8%, which was effectively offset by the stable price of gold, mitigating the decline.

Source: Fumbi Research

Let’s take a look at the potential value of your investment in this portfolio. Imagine you want to invest €1,000 with the goal of growing your capital. You are attracted by the potential of cryptocurrencies but are concerned about their volatility. Therefore, you decide to combine Bitcoin with traditional gold.

If you had made your investment at the beginning of 2024, your investment would have slightly decreased early in the year, briefly resulting in a loss of approximately 2.6%. However, this loss would have been quickly offset in the following days, and by mid-year, the value of your investment would have climbed to €1,388. It would then have continued to grow, reaching a local maximum of €2,019. By the end of 2024, the total value of your investment would have been €1,880.

Source: Fumbi Research

A comparison with market performance shows that, just like the Fumbi Index, the combination of Bitcoin and gold outperformed the market. While the S&P 500 maintained a moderately upward trend, our portfolio experienced significant growth, achieving an 88% return in 2024, outperforming the market by 65% in absolute terms and delivering 2.83 times higher returns in relative terms by the end of 2024.

Source: Fumbi Research

Staking Portfolio

At Fumbi, we offer a product that allows you to earn staking rewards every week without the hassle of searching for specific staking solutions or running your own validator nodes. The Fumbi Staking Portfolio enables you to easily invest in 10 selected cryptocurrencies that we stake automatically on your behalf, distributing the rewards to you.

This portfolio includes cryptocurrencies with lower market capitalization than Bitcoin, which means higher volatility but also the potential for higher returns. The Proof-of-Stake model, which staking is based on, is more energy-efficient and environmentally friendly, making it a sustainable choice for the future of investing. During the staking process, coins are locked in the network to help validate transactions, for which investors are rewarded with staking rewards.

In 2024, the value of the Staking Portfolio developed very dynamically. In the first quarter, the Staking Portfolio experienced significant growth, reaching a local maximum of 38.32% in March. However, a reversal followed, and the portfolio’s value declined—this was related to Bitcoin’s growing dominance, with altcoins lagging behind BTC’s performance. Towards the end of the year, following the U.S. presidential elections, the portfolio partially recovered and closed the year with a loss of -11%. However, this loss does not account for the staking rewards earned, only the performance of the assets.

Source: Fumbi Research

Advanced Portfolios

Advanced Portfolios are a unique product at Fumbi, created to provide investors with greater flexibility and control over their cryptocurrency investments. This product allows our clients to build their own diversified crypto portfolios, choosing from more than 100 cryptocurrencies available in this product.

Additionally, within this product, clients can use pre-prepared investment templates focused on various cryptocurrency sectors (DeFi, NFTs, L1, L2, Gaming, and more), which can serve as inspiration for investing in specific areas or ecosystems.

Key advantages of this product include:

• Customizable investments to suit individual preferences, whether aiming for maximum profit or stability. You can choose whether to take on more risk or follow a safer path.

• Risk diversification through various types of cryptocurrencies, with over 100 crypto assets to choose from.

• Ease of use, making the product accessible to a wide range of users.

In 2024, we expanded the range of cryptocurrencies in this product by 35 new assets, reflecting current trends in the cryptocurrency market. The broader selection of assets enables our clients to better optimize their portfolios to achieve their planned investment goals.

We currently offer 10 investment templates that you can choose from or optimize to suit your needs. Our templates cover areas from risk-averse portfolios to meme coin portfolios and the latest AI technologies.

In 2024, we added two new templates to our platform:

• Real-World Assets (RWA) – available from 1 June 2024
  • This portfolio includes the four largest projects focused on tokenizing real-world assets such as real estate, securities, or stocks, transferred to the blockchain and represented by tokens.

• Gaming Portfolio – available from 1 December 2024
  • The Gaming Portfolio focuses on cryptocurrency gaming projects that combine entertainment and earning through blockchain, a field still in its early stages of potential.
    

Performance of Assets in Advanced Portfolios
The best-performing asset within the Advanced Portfolios in 2024 was the meme cryptocurrency POPCAT, achieving an astonishing return of 9,287%. This massive growth was driven by market euphoria surrounding meme cryptocurrencies, which continue to enjoy significant popularity among investors.

The second-best-performing cryptocurrency was Mantra (OM), with a return of 6,440%. This growth was mainly influenced by the project’s activities in the United Arab Emirates (UAE), where Mantra signed a memorandum of understanding with Zand Bank, focusing on establishing clear rules for tokenizing real-world assets. The project also partnered with Ondo to create the “Real World-Assets (RWA) Savings Vault,” enabling investors to earn yields from U.S. Treasury bonds, effectively bridging traditional finance with decentralized blockchain infrastructure.

The top three performers were rounded off by Pepe (PEPE), which, fueled by positive market sentiment, saw great interest and grew by 1,448%.

Source: Fumbi Research

Performance of Investment Templates in the Advanced Portfolios Product

In the investment templates of the Advanced Portfolios product, we observed performance in 2024 that clearly reflects the different approaches and preferences of investors. The most successful in 2024 was the Meme Coins Portfolio, which achieved an incredible return of 500%. This phenomenal growth is attributed to market euphoria related to meme cryptocurrencies, which often become the focus of speculative interest under favorable market conditions. This portfolio comprises the most well-known meme cryptocurrencies on the market, created based on humor, strong communities, and often linked to current internet memes and trends. The portfolio includes cryptocurrencies such as Dogecoin (DOGE), Shiba Inu (SHIB), Pepe (PEPE), and Floki (FLOKI).

In second place was the Risk-Averse Portfolio, consisting of Bitcoin and Ethereum, which represents the safest and most stable among the offered templates. The Risk-Averse Portfolio achieved a 98% return in 2024, indicating that even a more conservative approach can be highly profitable in the cryptocurrency market.

Close behind are portfolios focused on modern technologies, such as the AI Portfolio with an 87% return and the DeFi Portfolio with an 83% return. These results reflect increased interest in decentralized finance and artificial intelligence, which are gaining more prominence in the cryptocurrency world.

Also noteworthy is the Real-World Assets Portfolio template, which was added to the Fumbi templates in June and achieved a 63% return within 7 months. Only two out of ten templates were loss-making this year. The worst-performing template focused on second-layer solutions (L2). The other template with negative performance was the Gaming Portfolio (-18%), which was added to Fumbi on December 1, 2024, and its performance reflects only one calendar month.

Source: Fumbi Research

Harness the Potential of Cryptocurrencies With Fumbi

The year 2024 was highly successful in the cryptocurrency market, and we believe that 2025 will be no different. The potential of cryptocurrencies remains very high, and you, too, can seize this opportunity and fully capitalize on it through Fumbi. With Fumbi, you can invest in more than 100 cryptocurrencies, starting from just €50.

If you’re unsure which product to choose, try our Fumbi Index Portfolio – where the Fumbi Algorithm monitors price movements in the cryptocurrency market for you and adjusts the weights of individual assets in the portfolio accordingly. And if you want to earn rewards every week, choose the Staking Portfolio with an expected annual reward of 5–7% and no entry or annual fees. If you prefer to build your portfolio yourself, the Advanced Portfolios product is perfect for you.

TAKE ADVANTAGE OF CRYPTO’S POTENTIAL